Merchant Cash Advance

Get an advance on your future sales with flexible repayment tied to your daily credit card transactions. Perfect for businesses with consistent card sales.

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Merchant Cash Advance

Merchant Cash Advance Features

Our merchant cash advance program offers unique advantages for businesses with regular credit card sales.

$5,000 - $250,000

Access working capital based on your monthly credit card processing volume and business performance.

Automatic Collection

Repayment is automatically collected from your daily credit card sales, making it convenient and predictable.

6 to 18 Month Terms

Flexible repayment periods that adjust with your business performance and seasonal variations.

Same-Day Funding

Get approved and funded within hours. Most applications are processed and funded the same business day.

Flexible Qualification

Lower credit requirements and approval based primarily on your card processing history and volume.

Sales-Based Repayment

Payments automatically adjust with your sales volume - pay less during slow periods, more during busy times.

How Merchant Cash Advance Works

Understanding the merchant cash advance process and repayment structure.

1

You Receive Cash

We provide you with a lump sum advance based on your future credit card sales volume.

2

We Collect Daily

A small percentage of your daily credit card sales is automatically collected until the advance is repaid.

3

Advance Repaid

Once the total amount is collected through daily sales, your advance is complete and you can apply for another.

Example Scenario

$50,000

Cash Advance Received

15%

Daily Collection Rate

$65,000

Total Repayment Amount

Based on $1,000 daily card sales, you would pay $150/day until $65,000 is collected (approximately 14 months)

Perfect for These Businesses

Merchant cash advances work best for businesses with consistent credit card sales volume.

Restaurants & Food Service

Handle seasonal fluctuations, equipment repairs, inventory purchases, or expansion with flexible repayment tied to sales.

Retail Businesses

Stock inventory for peak seasons, renovate your store, or manage cash flow gaps during slower periods.

Salons & Spas

Upgrade equipment, renovate facilities, or manage staffing costs with payments that match your service volume.

Auto Services

Purchase tools and equipment, expand service bays, or handle unexpected repairs and maintenance needs.

Hospitality

Improve guest experiences, renovate facilities, or manage seasonal cash flow in hotels, motels, and B&Bs.

Service Businesses

Any business that processes credit cards regularly can benefit from this flexible financing option.

Merchant Cash Advance Advantages

Discover why businesses choose merchant cash advances for their financing needs.

Key Benefits

  • No Fixed Payments: Payments fluctuate with your sales volume - lower sales mean lower payments
  • Quick Access: Get approved and funded within hours, not days or weeks
  • No Collateral: Unsecured advance based on your processing history
  • Automatic Collection: No need to remember payment dates or manage invoices
  • Flexible Qualification: Based on card sales, not credit score alone
Business Success

Simple Requirements

Our merchant cash advance has straightforward qualification requirements focused on your sales performance.

Processing Requirements

  • Process $5,000+ monthly in card sales
  • 3+ months processing history
  • Consistent transaction volume
  • Low chargeback ratio

Business Requirements

  • 3+ months in business
  • US-based business
  • Valid business registration
  • Credit score 500+ (flexible)

Limited Processing History?

We work with newer businesses and can consider alternative documentation to evaluate your eligibility. Contact us to discuss your specific situation.

Speak with a Specialist

Get Your Merchant Cash Advance

Apply for a merchant cash advance based on your credit card sales. Quick approval and same-day funding available.

Secure application • Same-day funding • Sales-based repayment